wendell potter, author of obama care, what's in it for me. senior white house reporter for politico and luke chung, founder of a software development firm located in virginia. thanks for joining us. i wanted to start with you luke, you were quoted in an article about the administration and what this website should be able to do here. now today the latest concern is the back to front, what's happening on the so-called back end, meaning the information people can get on now and the distribution of the information and the details to the insurance companies here. how does the administration fix it from now front to what we're now talking about, the back portion of this? >> that's been the big challenge for the whole administration during the process, to get consumers through the marketplace to choose something they want, apply for a subsidy and there are a lot of steps in there that need to work correctly so that people essentially can work through that whole -- >> that's part of the concerns we're hearing today from the insurance industry wendel